The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$44,842
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,237
−HK$1,417/mo
Today · 4.125%
HK$47,654
baseline
▲ 0.50% · 4.625%
HK$50,554
+HK$2,900/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,308/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,886
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,224
−HK$1,357/mo
Today · 4.125%
HK$52,581
baseline
▲ 0.50% · 4.625%
HK$55,353
+HK$2,772/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,162/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,810
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,484
−HK$1,701/mo
Today · 4.125%
HK$57,185
baseline
▲ 0.50% · 4.625%
HK$60,664
+HK$3,479/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,370/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,863
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,469
−HK$1,629/mo
Today · 4.125%
HK$63,098
baseline
▲ 0.50% · 4.625%
HK$66,424
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,196/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,779
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,731
−HK$1,984/mo
Today · 4.125%
HK$66,715
baseline
▲ 0.50% · 4.625%
HK$70,775
+HK$4,060/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,430/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,841
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,714
−HK$1,900/mo
Today · 4.125%
HK$73,614
baseline
▲ 0.50% · 4.625%
HK$77,494
+HK$3,880/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,228/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,715
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,226
−HK$2,551/mo
Today · 4.125%
HK$85,777
baseline
▲ 0.50% · 4.625%
HK$90,996
+HK$5,219/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,554/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,795
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,203
−HK$2,443/mo
Today · 4.125%
HK$94,646
baseline
▲ 0.50% · 4.625%
HK$99,635
+HK$4,989/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,292/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,449 · Scale 2, in force from 26 Feb 2026)